Thank you for all friends from North East Zone attending the gathering at Woodleigh Mall on 13th June. We have great bonding with old and new friends together. We had a wonderful afternoon and hope to meet up soon. Cheers!

No politics, religion, sex, race, direct selling & MLM. For Singaporeans & PRs, over 45.
Forum page for SHC members. General, everything and anything.
Thank you for all friends from North East Zone attending the gathering at Woodleigh Mall on 13th June. We have great bonding with old and new friends together. We had a wonderful afternoon and hope to meet up soon. Cheers!

Today, during the General Meet-Up at Hillion Mall, we do have some members wanting to add their profile photos into our SHC Forum. It can be done but first you need to create a Gravatar Account and link to word press.
Here is the link on How to create a Gravatar Account? please browse through and read to understand – click HERE
if you do not understand the above, I do hope this YouTube video will be able to guide you along on How to open a Gravatar.com account so your picture shows up on WordPress – https://youtu.be/NeJZgQpZJpQ
FYI, Terence did post an article in 2011 on How to use Avatar Image – please browse to refresh – https://silverhairsclub.com/?p=3655
So, let your fingers do the walking – Happy reading n browsing the link and viewing YouTube video and hopefully you will understand and know how to insert your images.
Have fun.
SallyF (SHC Admin – Post n Comment)
UPDATED 12 Jul 2023 – video montage courtesy of Lim BT – https://www.facebook.com/100002380509781/videos/1026563512037322/

Date: Tues 27June 23
Registration closed.
Basic Trip Cost: $17 + $18 Dinner
All paid up and we are ready to go.
Itinerary: Updated 07 June 2023
| 7.00am | Eunos MRT Open carpark along SIM Ave |
| 7.30am | Bishan MRT Exit D |
| 8.00am | Kranji MRT, Bus stop opposite Kranji MRT |
| 9.30am | Breakfast at Hiap Joo Bakery famous for Banana Cake. |
| 10.30am | Shopping at Ninso |
| 12.00noon | Durian Buffet |
| 2.00pm | Tea Time at Fifty Trees. |
| 3.00pm | Shopping at Aeon in Bukit Indah. |
| 4.30pm | Massage at Holiday Plaza at RM90 for 2 hours including cupping and ear candling. |
| 6.30pm | Dinner at Famosa Restaurant in Taman Sentosa. Menu posted. |
| 7.30pm | Karaoke at Citi Square or Pasar Malam . |
| 9.00pm | Heading home. |
Who’s coming?
REGISTRATION CLOSED

Dear Members,
Glad that to observe members are slowly into adapting this platform to post their events for members’ interests and participation. However, I also noticed that from the broadcasting emails sending to our all members, majority are not sure how SHC Website’s protocol and sequences of getting used to the SHC Website portal more effectively, hence, i will be making myself available on
Date : 30 May 2023
Venue : Bukit Panjang Hillion Mall Kopitiam Food Court
Address : 17 Petir Road Singapore 678278
Time : 3pm to 6pm
Nearest MRT : Bukit Panjang (Downtown Line)
I will be there waiting for available for meet-up members for follow-up on issues pertaining to the above. Of course, not forgetting the friendly networking to know each other during this meet
Hope to see you soon
Cheers… Dolly Lim/SHC Admin
Keen to join me, put in the comment and I shall add your names to the list below
1) Dolly Lim
2) Veronica Chua
3) Florence Tay
4) Aminah Bee
5) Howard Yong
6) Sue ChanWN
7) Doreen Ong
8) Chan KN
9) WK Cheng
10) Richard Leen
11) KC Lau
12) Agnes Low
13) Gingko Tay
14) May Lam
15) Pattiya
16) Sally Foo
17) Anthony Chan and wife
Tiong Bahru Zonal having it’s second lunch gathering this Friday afternoon. SHC Ordinary members who are members of Tiong Bahru Zonal come join our lunch gathering. Those interested join Tiong Bahru Zonal chatgroup WhatsApp Terence Seah 94894360
Tiong Baru Zonal lunch, please add your name here
Date; 26 May 2023 (Friday)
Time: 11.30am to 2.00pm
Place: Seah Im food center
Nearest MRT station: Harbourfront
OR Harbourfront Bus Interchange.
We will be sitting at the extreme end …
Those coming:
1. Max Ho
2. Annie Loh (Robinhood)
3. Aminah Bee
UPDATED – video montage by Maggie
https://www.facebook.com/819580603/videos/652480016903303/
Let’s get together to LimKopi again! Meet up with new and old friends to mingle around, eat and have fun.
EC: Maggie Loh
Please put in the comment below if you are interested to join us!

Date: Tuesday, 13 June 2023
Time: 4pm – 8pm
Location: The Woodleigh Mall – Food Republic (#B1-09/10)
11 Bidadari Park Drive, Singapore 367803

Please add in your name if you interested.
Hope to see you soon! Thank You

Planning next mountain trip preferably in Thailand. We were amazed by what we saw at the social media (see attached pictures).
I am looking for members who will share their experiences and places of interest during their visit at the mountain and of coz yummy food recommendations.
Let’s chat if you explored before and share your experience with me. Thank you.
Freda

Update: Tiong Bahru Zonal met up for lunch today for the first time. 10 of us attended we had a great time getting to know each other! One left before the photo taken.
After lunch we had tea drinks & snacks with 2 other Tiong Baru Zonal guys joining us .
————–
Getting to know more members for bonding n casual chit-chat, please mark your calendar.
Tiong Bahru Zonal lunch, please add your name here
*Fri 19 May 12noon meet Tiong Bahru MRT outside guardian pharmacy *
1.Alicia Lim
2. Aminah Bee
3. Eileen Lee
4. Annie Loh
5. Catherine Lee
6. Lilian Png
7. Winston Chia
8. Thio Karen Thio
9. Catherine Chng
10. Lynn ling
Thank you to all who attended this gathering – we enjoyed chatting, laughing and sharing jokes together. We had a wonderful and joyful afternoon. Hope to meet up soon again. Cheers!
https://www.facebook.com/819580603/videos/635795174640807/

We launched Zonal groups eg Zonal Tampines, Zonal Bedok, Zonal Toa Payoh and many others.
1. This project is in response from members who would like to lnow members within their residence and be able to have nearby activities.
2. Zonal groups can have an EO leader who can bring the group together. EO leaders, pls contact Mia.
3. Activities include surrounding cycling, morning breakfast, nearby shopping, evening walks, tropical fish aquarium, etc.
4. Mia Cheong has been appointed to cordinate all Zonal groups.
5. Zonal groups covers the needs of members living on the North, West, East, Central especially many new estates.
6. Join early as zonal activities will be organised soon.
7. To join a zonal group, whatsapp HELP to 9489 4360 Terence Seah or Mia Cheong 8938 8253. Choose a zone within your residences.
8. Only 1 zone per member.
9. If you have suggestions or ideas, whatsapp Mia Cheong.
Terence Seah
In the early days of SHC, we had EC events. As we move on with the club, we still require all SHC events to be EO events only.
However this requirement has become not practical for many events.
Today, SHC Admin, Dolly Lim, also a pioneer since 2005, proposed allowing for EC events . I shall review this and revert with a position in a weeks time.
1. SHC EO events can only be participated by Ordinary members.
2. EC events are organised by members, and partially participated by friends of members.
3. , SHC members, ECs, may publish their photos or videos in SHC Forum or Facebook.
Only mames, groups and photos of Ordinary members can be published in the forum.
4. We will not support anti SHC activities..
5. In doubt, consult the SHC admin Dolly Lim or Sally. Foo or myself.
For SHC Facement, approval can be given by Facebook admin Jean Lim. Facebook is more free for EC events
Terence Seah
UPDATE: DUO JOY – Get Together cum Birthday Celebration

Hi SHC Members
Getting to know more members for bonding n casual chit-chat, please mark your calendar.

Date: Friday, 12 May 2023
Time: 11:00am – 4:00pm

VENUE: Bites N Beans
321 Alexandra Road
Alexandra Central #01-03 (entrance facing Main Road)
Singapore 159971
ATTENDEES:
UPDATED: 26 June 2023

Enthusiastic members hand at work…

VENUE CHANGED: BLOCK 93B TELOK BLANGAH STR 31 12 FLOOR
Hi All
Tom Low have posted the above craft (on SHC FB) I make for him and many has shown interest – I am going to EO this activity, my 2nd time in SHC.
This is the link for you to understand more of the craft n all the photos posted in SHC FB – www.youtube.com/shorts/G9rfOwdc7a8
Interested Members, can register to this Forum

You will learn the basics and then bring home to complete your task.
Registered Members (Full Name): –
Dear SHC Members
Registration on SilverHairsClub Forum allows you to write a POST or a COMMENT to enable you to participate in the Forum.
For REGISTRATION | LOGIN | Forget PASSWORD – please email to Dolly Lim – dlgummy@hotmail.com
For POST | COMMENT – please email to Sally Foo – salfoongkit@gmail.com
Regards
SHC Admin
Dolly Lim | Sally Foo

OBITUARY – Mdm Susan Tan Chwee Huay

Today, I want to share with you a very personal and emotional story. It’s about Susan Tan, who was my friend and committee member for Batam D&D many years ago. She passed away early this wee morning after suffering a stroke during a trip to Ipoh in September 2022. She was in her golden years.
Susan and I met when we were both part of the committee for the Batam annual dinner trip in 2018. We had to organize everything from the venue, the food, the entertainment, and the transportation. It was a lot of work, but we managed to pull it off. Susan, a very outspoken friend never shy to voice out her opinion. She was always ready to try new things and learn from her mistakes. She at times, a troublemaker who created havoc for others, but that is her, with a great sense of humor and a big heart.
Susan loved her family very much, they are her pride and joy. She would show me pictures of them and tell me stories about their achievements and adventures. She was indeed a devoted mother who wanted the best for them. An image she inculcate in her shows her strong responsibilities as a parent.
I used not to like Susan’s way for being so outspoken. Sometimes, she would say things that hurt my feelings or made me angry. But I also admired her for being direct, honest and courageous. She never a boastful person unless she wanted to make a joke. She was a fighter in life, who faced many challenges and obstacles with determination and resilience. I saw her cooking workshop in zoom – very karang and skillful to complete the event. Bravo for her GungHo attitude.
When I heard that Susan had a stroke, I was devastated with immediate rosary miracle prayer for her. I couldn’t believe that someone so full of life and energy could be struck down so suddenly. She managed to survive the stroke and was transferred to a nursing home, but was never fully recovered. She passed away peacefully in her sleep.
Now, I miss Susan with images floating in my memories of her. She was my dearest big sister, who taught me many things and supported me through thick and thin regarding SilverHairsClub. I know now she is resting at God’s side, and I hope she is happy and free from pain. I will always look upon the stars whenever I miss her.
Thank you for reading this eulogy for Susan Tan. She was a wonderful person who touched many lives. If you knew her, please share your memories of her in the comments below. And if you didn’t know her, please send your prayers and condolences to her family and friends.
“`
PS : I usually don’t do eulogy on public but she – my only big sister.
DATE: Tuesday, 25 April 2023
TIME: 8:00pm – 9:30pm
MEETING ID: 417 852 5736
MEETING PASSCODE: shc (small letters)
Join Meeting – please include your name and DO NOT tick on *Turn off my video*
EO: Dolly Lim

A list of commonly asked questions: –
Moderators will edit posts when it’s required. If someone uses vulgarities, posts private information (like emails or passwords), or otherwise violates the guidelines, we will clean up the post.
Please be on time and you can log in 15 mins before 8:00pm to self-intro yourself and getting the atmosphere warm up before we start.
Dear Members,
We are able to salvage some MyRepublic working routers to be given away that you might for spare. All collections will be done either Bukit Panjang or Changi areas (No MRT pick-up please) before I give them away for karung guni man.
Anyone keen, please contact me directly or leave your comments here so I can get back to you for pick up arrangement

Video courtesy of Irene Lim in SHC FB – click HERE

Yet, another successful event – Organized by our wonderful SHC Couple Jeffrey & Irene (EZ4U) on Sunday, 16 April 2023 @ Palm Bistro Café.
Do show us some support to the forum by sharing on how you have enjoyed that joyous moment, albeit hiccups on the air conditioning. Or post your wonderful photos or video taken on dancing, singing and laughter altogether.
And who knows it might inspire you to organize at least one event yourself too. Looking forward to getting to know more members!

A short notice meeting arrangement at Food Republic @ Shaw House on Tuesday, 11 April 2023 – an overzealous crowd of more than 40 SHC members responded. Looking at their energetic and friendly smile – keeps them flourishing and healthy.
EO: Alice Tan | Co-EO: Christopher Tan

Getting to know you gathering in Orchard Road @ Shaw House, basement food court.
Calling all Silverhairs Club ordinary members, newbies to meet, mingle, share our activities, joys, fun and laughter. Let’s enjoy the evening together!
Thank you.
EOs : Alice Tan & Christopher Tan.
The Mar mthly gathering was just over. Held at the Esplanade, unser the Helix bridge, the event went on very well. The weather was absolutely kind to all of us.
Alice, I am glad that there is tremendous show of fellow members getting together to get to know one another.
An Veron’s video is really fantastic. It captures the occasion very well. Under the open skies and Singapore’s most modern skyline, the singers sang and entertained fellow members.
So many helping hands. I thank the committee for the great show, the singers, the members who prepared the potluck, and the volunteers who picked up the lost sheep from the meeting point.
Share this video with your friends.
Terence Seah
In 2020, we had a zoom session on how to make an LPA. The then EO was John Chua.
This time, we will have another zoom session on Mon Mar at 7.30 pm (1 hr) to share unclear thoughts on “Making an LPA”.
There has been a recent push again to make our LPA online. LPAs concern seniors.
Pls see this video clip before attending zoom discussion.
This session is recorded.
Terence Seah

Most seniors like us turn to low-impact exercises and cycling is one to stay healthy in old age. We don’t have to be a great athlete to enjoy a ride.
Benefits (just to name a few):-
EO – Douglas Chan (joined since 2005), our cycling enthusiast will guide you along your every trip, be it SG or JB.
Join our Active Senior Cyclers – What’sApp 9489 4360


Just got an confirmation email from the Peranakan museum with complimentary entry with English or chinese guided tour on Mid april to May 2023.
Perankan Lunch restaurant consist of 4 different sets of menu at $10++ exclude drink. I will reveal detail upon confirmation with the peranakan boss.
Disclaimer : my efforts to preserve Peranakan culture and support local businesses. Even small efforts can make a big impact! Without personal gain
Here are some suggestions to enhance a silver hairs club.
Item 4 and 6 are looking forward to enhance it – looking forward for more volunteer to leverage the task.
Managing personal finances is an important aspect of maintaining a stable and healthy lifestyle. It involves keeping track of expenses, creating budgets, and making informed financial decisions. There are two main types of expenses to consider when managing personal finances: fixed and variable expenses.
Fixed expenses are costs that remain the same each month, such as rent or mortgage payments, car payments, and insurance premiums. These expenses are essential and usually cannot be avoided. Fixed expenses are predictable and can be planned for in advance, making it easier to create a budget.
Variable expenses, on the other hand, are costs that can fluctuate from month to month. These expenses include things like groceries, entertainment, and travel. They are often discretionary expenses and can be adjusted based on your needs and priorities. It is important to monitor variable expenses carefully and make adjustments as necessary to avoid overspending.
When managing personal finances, it is essential to consider both fixed and variable expenses. By understanding the difference between the two types of expenses, you can create a budget that reflects your priorities and financial goals. This will help you to manage your money more effectively and avoid unnecessary debt.
For example, let’s consider a typical monthly budget that includes both fixed and variable expenses. Fixed expenses might include rent or mortgage payments, car payments, and insurance premiums. These expenses will likely add up to several hundred or even thousands of dollars each month. Variable expenses might include groceries, entertainment, and travel. These expenses can vary widely from month to month depending on your lifestyle and spending habits.
Suppose you have a monthly income of $3,000 and your fixed expenses amount to $1,500. This leaves you with $1,500 for variable expenses. You might allocate $400 for groceries, $200 for entertainment, $100 for travel, and so on. By creating a budget and tracking your expenses carefully, you can ensure that you are living within your means and avoiding unnecessary debt.
In conclusion, managing personal finances is a crucial skill that everyone should develop. Understanding the difference between fixed and variable expenses is essential for creating a budget that reflects your priorities and financial goals. By tracking your expenses carefully and making informed financial decisions, you can manage your money more effectively and avoid unnecessary debt.
Fixed expenses are those expenses that do not change or fluctuate with the level of activity or usage. They are typically recurring expenses that are paid on a regular basis, often monthly or annually. Examples of fixed expenses include rent, insurance premiums, loan payments, and subscription fees.
Variable expenses, on the other hand, are expenses that change based on the level of activity or usage. They tend to be more flexible and are not always recurring expenses. Examples of variable expenses include utilities, transportation costs, entertainment expenses, and groceries.
Part II : Here is an example of a list of fixed and variable expenses:
Fixed expenses:
Variable expenses:
It’s important to track both fixed and variable expenses to get a complete picture of your spending habits and to help you make informed financial decisions.
Part III : My budget from $1500 reduce to $549.17
| Item | Cost |
|---|---|
| Rental | $200 |
| Mobile | $5 |
| Credit card | $100 |
| Food | $200 |
| Transport | $30 |
| Town council | $14.17 |
| Total | $549.17 |
Peranakan culture is a unique blend of Chinese and Malay traditions that has evolved over centuries in Southeast Asia. If we would like to preserve this rich cultural heritage, here are some simple efforts can take:
Happy International Women’s Day! On this special day, I want to express my love, appreciation, and empathy towards all the incredible women out there. You are the backbone of society, the nurturers of families, and the catalysts of change.
I want you to know that your struggles, your triumphs, and your voices are heard and valued. Your kindness, empathy, and resilience inspire us all. I hope that you always feel supported, respected, and loved.
May we continue to work towards a world where women are not only celebrated but also have equal rights and opportunities. May we raise our children to be respectful and empathetic towards all genders, and may we work together to build a better, more inclusive world for all.
Once again, Happy Women’s Day! Keep spreading love and empathy, and know that you are cherished.
Palms Bistro Cafe
60 Anson Road, Mapletree #01-02 Singapore 079914
(nearest MRT Tanjong Pagar, 3 to 5 mins walk to the café)
SHC April monthly gathering at Palms Bistro
16th April 2023, Sunday
2.00 pm to 5.30 pm
EO : Jeffrey Gan & Irene Lee (EZ4U Music & Dance)
A lush, cosy oasis amidst the financial district where you can chill out and people-watch while enjoying good food, coffee and beer.
While Sunday afternoons are quiet around the financial district, Jeffrey & Irene (EZ4U) are looking to create a ball of a time for our SHC members. We are a couple of “party animals” who believe in bringing music, dance and fun into everyone’s life.
On 16th April 2023 (Sunday), we are about to ramp up at Palms Bistro with food, music and activities. More importantly, get to know fellow members better (both veterans and new members)……. let your hair down and talk-cork !!
Event cost : S$20.00/person, payable in advance to secure your reservation at this event
(reservation is confirmed only upon successful payment)
Payment mode : PayNow or PayLah to Irene’s mobile number 9633-6546
(followed by a WhatsApp text to Irene furnishing your full name)
Maximum capacity : 60 pax (do book early to avoid disappointment)
Other consumption : Anything consumed outside of the buffet catering shall be at your own expense and there is corkage charged for BYO alcohol.
What’s in-store for you :
– Mini buffet with free flow soft drinks, coffee and tea
– Live music entertainment
– Karaoke singing
– Line dancing
– Game
– And crazy fun
So, see you real soon !!……..
Confirmed Participants (with full payment received with thanks) :
1) Eileen Lee
2) Alice Tan
3) Theresa Seow
4) Iris Lim
5) Jezzlyn Lee
6) Vincent Hee
7) Lee Ah Nee
8) Sally Too
9) Francis Raj
10) Sandra Chuah
11) Dorothy Lo
12) Edward Lim
13) Lydia Chin
14) Thomas Loh
15) Cecilia Lee
16) Stan Ang
17) Ng Fook Weng
18) Doreen Ho
19) John Howe
20) Cheryl Tiong
21) Fiona Ng
22) Jane Tan
23) Jane Wong
24) Lynn Ho
25) Bobby Bok
26) Joanna Lee
27) Lydia Poh
28) Katherine Yap
29) Jolene Lou
30) Julie Khoo
31) Lisa Ong
32) Fred Tan
33) Richard Wong
34) Nina Choo
35) Ong Hui Teng
36) Nancy Ng
37) Jess Barbara Ong
38) Vincci Lee
39) Ivy Lim
40) Juliet Say
41) Diana Ng
42) Roalyn Khoo
43) Mia Cheong
44) Gingko Tay
45) Sue WN Chan
46) Wong HJ
47) Dolly Lim
48) Caroline Gee
49) Jennifer Lim
50) Rina Tay
51) Wendy Hia
52) Alice Ho
53) Helen Han
54) Ayliana Dharmawan
55) CH Teo
56) Clive Ng
57) Angie Lee
58) Marie Ong
59) Yvonne Loo
60) Kat Wong